Abaxhasi banokufumana ikhadi lokubhadela ngaphambi kokuhlawulwa kwekhredithi kwaye nokuba banayo irekhodi kwi-ChexSystems. Akufanele udideke ngamakhadi eemboleko, makhadi ahlawulwe kufuneka alayishwe ngemali phambi kokuba ungathenga. Awunayo ibhalansi, akukho ntlawulo encinci yenyanga efunekayo kwaye akukho nzala yokuhlawula. Cinga nje ngekhadi yedata ngaphandle kwekhawunti yokujonga.
Xa ukhetha ikhadi elihlawulwa kuqala, ufuna ukujonga izinto ezibini eziphambili: ungakwazi njani ukulayisha imali kunye nokuba zininzi iimali ezihlawuliswa kwikhadi. Kulula ukuyilayisha kunye nemirhumo embalwa oyihlawulayo, bhetele. Amakhadi ahlawulwe kwiluhlu lwethu anemivuzo eyahlukahlukeneyo kunye nempawu - ezinye zize zinike ufikelelo kwi-akhawunti yokugcina iindleko ezikuvumela ukuba ufumane inzala kwiimali zakho.
01 Eyona mivuzo yokufumana imivuzo: i-American Express isebenza ngeCash Back
I-American Express Yisebenzela iCash Cash Ngemuva kwamakhadi ahlawulwe kuqala yikhadi elihlawulwa kuqala elihlawula umvuzo ekuthengeni kwakho. Abanikazi bamakhadi bafumana enye ipesenti ngemali nganye emva kokuba bathenge ngekhadi yabo yokubhadela.
Ukuba ucinga ukuba uya kuchitha imali engaphezu kwe-$ 600 ngenyanga ngenyanga yakho, uza kuxhamla ngokuba ne-American Express Serve Cash Back. Kutheni i $ 600? I-Serve Cash Back ihlawulisa i-$ 5.95 yemali nganye yenyanga-kuya kufuneka uchithe ubuncinane i-$ 595 ekhadini lakho ukuze uphule. Akukho mrhumo owongezelelweyo kwiipasithi ngqo kunye ne-3.95 yemali ehlawulwa ngokutsha kwemali.
Ikhadi lakho liza neenzuzo zokukhusela ukuthenga. Ukuba kukho into eyenzekayo kwinto oyithengile kwikhadi lakho elihlawulwa ngaphambi kweentsuku ezingama-90 ngosuku lokuthenga, i-American Express iya kubuyisela kwi-$ 1,000.
Qaphela ukuba i-Amex Serve inezinye iinguqu ezimbini: I-Classic engathetheli ntlawulo yemali nganye ngenyanga nje xa unayo idiphozithi ngqo kwi-$ 500 kunye ne-FREE kwakhona, eyayihlawula i-$ 4.95 ngenyanga, kodwa ayihlawulisi imali yokubuyisela imali. yakho akhawunti.
02 Eyona ndlela ifanelekileyo ngeeNtlu ezantsi: i-Bluebird yi-American Express
Nantsi enye ikarada ehlawulwa kuqala evela kwi-American Express. I-Bluebird yi-American Express yinto enhle kubantu abafuna ukuphepha iimali. Akukho mrhumo wenyanga, akukho ntlawulo ye-overdraft, akukho ntlawulo yeepozithi ngqo kwaye akukho ntlawulo yokuhlawulwa kwebhiliji. Akukho mrhumo umrhumo oza kuwulayisha xa ukwenza ngekharityhulam okanye ikhadi lokukhwabanisa kwiWalmart okanye kwi-intanethi ngekhadi lokukhwabanisa.
Kufuneka uhlawule u-$ 5 ukuba ufumana ikhadi lakho lekredithi kwindawo yokuthengisa. Kukho umrhumo we $ 3.95 ukulayisha imali kwezinye iindawo zokuthengisa. Ukukhishwa kwe-ATM kukhululekile xa usebenzisa ii-ATM ze-MoneyPass. Ngaphandle koko, uya kuhlawula imali engama-2.50 ye-ATM.
I-Bluebird yi-American Express nayo ikunika ukufikelela kwintlawulo yesibhozo kunye nesithenjwa somtshini weselula - into evumela ukuba ubeke iifowuni ezithatha ngqo kwi-akhawunti yakho ehlawulwa kuqala. Iimali ezifakwe nge-check check capture zifumaneka kwiintsuku ezili-10 ngaphandle kwemali okanye unakho ukuhlawula imali eyongezelelweyo ukuba imali ifumaneke kwiminithi.
03 Eyona ndlela ephezulu yokuThengiswa kweMpahla ephakamileyo
Ikhadi le-Mango Visa Prepaid liza kunye nesici sokulondoloza esikuvumela ukuba ufumane esinye sezivuno eziphezulu kwi-akhawunti yakho yokulondoloza. Xa uvula i-akhawunti yokulondoloza kunye nekhadi lakho leM Mango, uza kufumana kwi-APY yeepesenti ezithandathu kunye nenketho yokwenza ukutshintshwa kwetandathu ngenyanga. Uzakufuna i-deposit ngqo ngqo ye-$ 800 kunye nobhalansi obuncinane be $ 1.00 ekupheleni kwenyanga ukufumana i-APY yesithandathu.
Akukho mali yokubhalisa, akukho ntlawulo yokusebenza, kunye nemali yokuthumela imali yebhanki (ukusuka eM Mango. Ibhanki yakho inokuhlawulisa intlawulo). Imirhumo ehlawulwayo ilula: uza kuhlawula i-$ 1 ukwenza u-ATM u-inquiry balance, i-$ 2 yemali yokukhishwa kwe-ATM, umrhumo wenyanga we-3 wemali, kwakunye nepesenti zokuguqula iimali zamazwe ngamazwe.
Ungasebenzisa i-Mango yakho ekhokhelwa i-Visa yonke indawo apho i-Visa yamkelwe kwaye ilawula i-akhawunti yakho nge-smartphone.
04 Eyona ndlela yokuthenga nge-Intanethi ekhuselekileyo: I-Visa Card ye-Movo Virtual Prepaid
I-Visa ye-Movo Virtual Prepaid inendlela ekhethekileyo yokukhusela ukuthengiswa kwakho kwiintengiso ze-intanethi. Ungakha ikhadi lesibini lexesha elilodwa kunye nenombolo yalo yekhadi. Sebenzisa le nombolo yekhadi elahlayo ekuthengeni i-intanethi ngelixa ukhusela inombolo yakho ye-akhawunti eyintloko ukusuka kuma-hack kunye nokuphulwa kwedatha.
Sebenzisa ikhadi ukwenza i-intanethi kunye nokuthenga ngaphakathi komntu. Fumana inethiwekhi ye-ATM yamahhala enee-ATM ezingama-6,000. Umrhumo we-2 wemali uhlawuliswa ngokurhoxiswa ngaphandle kwenethiwekhi, ngaphezu kwemali ehlawulwe ngumsebenzisi we-ATM. Uyakuhlawuliswa imali engama-$ 1 ukuba umthengi wakho we-ATM unqatshelwe, umzekelo, ukuba uzama ukuhoxisa ngaphezu kwe-balance yakho.
Unemibuzo eyahlukeneyo yokubuyisela kwakhona imali: idiphozithi ngqo, ukudluliselwa kwebhanki, ukurhoxiswa kwebhasi ye-Paypal okanye i-Venmo, ukudluliselwa kwekhadi lokudityaniswa, okanye umthwalo wemali kubathengisi abathatha inxaxheba. Ezinye iindlela zokulayisha kwakhona zingathatha iintsuku ezintathu zoshishino ukuze imali ifumaneke.
Akukho mali yeenyanga okanye iindleko zokuqalisa ikhadi. Kananjalo awuyi kuhlawulwa ngenxa yokungasebenzi. Akukho mali ehlawuliswayo ekuthengeni kwakho kunye neVisa yakho eViweyo eyiVaid Prepaid.
Uya kuhlawulwa iikopi ezingama-75 kwintlawulo nganye.
05 Eyona ndlela ihamba phambili kwiDiskithi eLawulayo: I-Paypal PayPal Prepaid MasterCard
Nge-Masterpard ye-PayPal ehlawulwa ngaphambi, unokudibanisa ikhadi lakho kwi-akhawunti yakho ye-Paypal ukufikelela kwimbali yokuthengisa kunye neminye impawu kwi-intanethi okanye nge-app yeselula. Uyakwazi kwakhona ukudlulisela imali kwi-Akhawunti yakho ye-Paypal kwi-akhawunti yakho ye-PayPal MasterCard ehlawulwe ngaphambili.
Akukho mali yokuthenga xa uyala ikhadi lakho kwi-intanethi. Ungaphinda ulayishe kwakhona ukusetyenziswa kwikhompyutha okanye kwindawo yokuthengisa kwakhona.
Idiphozithi ngqo ikhululekile. Ngaphezulu, i-Paypal PayPal Prepaid MasterCard ikunika ukufikelela kwimali yakho 2 iintsuku ngokukhawuleza kunokuba neebhanki zendabuko.
Fumana ukufikelela kwiimfuno ezizodwa kunye nemali yokubuyisela imali. Ngokomzekelo, ukuba uvula i-akhawunti yokulondoloza izinga lokuhamba ngeBhanki ye-Bancorp, uya kufumana i-APY yeeklasi ezintlanu kwi-balance. Njenge-incentive yokuthumela, wena kunye nomhlobo ufumana i-$ 5 xa ubhekisela kumhlobo kwikhadi kwaye umhlobo usebenza kwaye ulayishe i-$ 110 ekhadini labo.
06 Eyona ndlela ihamba phambili yokukwabelana: I-5 yesiXhosa ye-Third Access 360 ekhokhelwa kwakhona
Ikhadi lesiFifth Access Third Reloadable Reloadable likaKhaya linomhlobo "womsebenzisi ogunyazisiweyo" ovumela ukuba ungeze umnini-akhawunti wekhawunti kwikhadi lakho. Ungayisebenzisa ukuze unikezele ukungena kwamanqaku kwikhadi elihlawulwa kuqala okanye ukuba nabantwana bakowenu babelane ngeakhadi yekhadi ehlawulwa.
Ungakwazi ukongeza imali ngokulayisha imali ngokufaka imali, udibanise idiphozithi ngqo okanye ngokudlulisela imali kwi-akhawunti yesihlanu yesheke okanye i-akhawunti yokulondoloza. Akukho mrhumo yokuvula okanye ukongeza kwi-akhawunti yakho okanye ukurhoxa okanye ukudlulisela imali ekhadini lakho. Unokwenza lula ukulandelela umlando wakho wokuthenga usebenzisa i-app yeselula okanye ibhanki ye-intanethi.
Imali yenyanga ye-4 yenyanga ikhutshwe xa unayo i-akhawunti yesihlanu yokujonga okanye ubeke i-$ 500 okanye ngaphezulu kwikhadi lakho kwinyanga nganye. Unako ukurhoxisa imali kuma-ATM angama-50 000 angenahla-mali kwilizwe lonke. Ngaphandle koko, uya kuhlawula i-$ 2.75 yemali xa usebenzisa i-ATM engekho yesihlanu. Oku kungaphezulu kwayo nayiphi na intlawulo umqhubi we-ATM angahlawula.
Ikhadi ityala ezinye iirhafu: i-$ 5 kwi-ATM yamazwe ngamazwe ukuhoxiswa kwemali, imali engama-20 yemali yokuguqulwa kweemali, i-$ 30 yemali yokuthumela iindleko; Imali eyi-80 yokugcoba.
07 Best Best Chase Bank Abathengi: Chase Card Liquid
Ukuba uhlala kwelinye lama-23 lithetha ngeBhanki yeChese, iKhansela yeTywala yiyona yeyona nto ingcono kakhulu onayo. Uyakuphepha iintlawulo ezininzi zokuthengisa ngokusebenzisa ii-ATM ukuze ulayishe imali okanye uhoxise imali. Akukho mrhumo wokuvula i-akhawunti-nangona kufuneka u tyelele isebe eliza kuvula i-akhawunti yakho.
Iimali ezifakwe kwiakhawunti yakho zi-FDIC ziqinisekisiwe ukuya kwixabiso elivunyelwe ngumthetho. Kwaye ukhuseleko lwe-chip longeza ukhuseleko olongezelelweyo xa usebenzisa ikhadi lakho lokubhadela kuqala kwi-chip reader.
Intlawulo ye-$ 4.95 yenyanga nganye ikhutshwe xa ikhadi lakho lokubhadela lidibene neCandelo lokujonga i-akhawunti. Uyahlawuliswa imali engama-2.50 yemali xa usebenzisa i-ATM engeyiyo ukuyihoxisa imali kwi-akhawunti yakho.
Kukho nemirhumo yokusebenzisa ikhadi lakho lekredithi ngaphandle kwe-United States, ngokuba idipozithi okanye isheke lokukhangela libuyele, ukuba ufuna ukutshintsha ikhadi lakho okanye ukuba unemali okanye uhlobiso olwenziwa kwi-akhawunti yakho.
Ukwazisa
Kwi-Balance, abalobi bethu beengcali bazibophezele ekuphandeni nasekubhaliseni iimpendulo ezizimeleyo nezihleliweyo zeemveliso ezilungileyo kubomi bakho kunye nosapho lwakho. Ukuba uthanda oko sikwenzayo, unokusinceda ngokusebenzisa iinqununu zethu ezikhethiweyo, ezithatha ikhomishini.